The Upstate National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 2.48 percentage points higher than in Q1 2026, at 6.77%. On return on assets, The Upstate National Bank is 10th from the bottom among 105 New York banks, 0.11% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, The Upstate National Bank reported 0.11% on return on assets in Q2 2026, 1.14 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.33% |
| Tier 1 risk-based capital ratio | 15.34% |
| Total risk-based capital ratio | 16.53% |
| Tier 1 leverage ratio | 10.19% |
| Equity capital to assets | 9.78% |
| Tangible equity to tangible assets | 9.78% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.98% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.11% |
| Return on equity | 1.14% |
| Net interest margin | 2.32% |
| Efficiency ratio | 92.19% |
| Yield on earning assets | 5.53% |
| Cost of funds | 3.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.36% |
| Core deposits to total deposits | 91.09% |
| Brokered deposits to total deposits | 6.77% |
| Deposits to assets | 70.84% |
| Securities to assets | 7.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.43% | 15.44% | 16.65% | 10.55% | 0.09% |
| Q4 2023 | 14.97% | 14.98% | 16.23% | 9.73% | -2.56% |
| Q1 2024 | 15.93% | 15.94% | 17.19% | 9.54% | -0.39% |
| Q2 2024 | 15.27% | 15.28% | 16.53% | 10.05% | -1.33% |
| Q3 2024 | 15.13% | 15.14% | 16.39% | 9.86% | -1.35% |
| Q4 2024 | 14.98% | 14.99% | 16.24% | 9.95% | -0.90% |
| Q1 2025 | 14.85% | 14.86% | 16.12% | 10.32% | -0.66% |
| Q2 2025 | 15.93% | 15.94% | 17.19% | 10.78% | 0.30% |
| Q3 2025 | 15.65% | 15.66% | 16.91% | 10.76% | 0.05% |
| Q4 2025 | 16.04% | 16.05% | 17.29% | 10.65% | 0.88% |
| Q1 2026 | 15.80% | 15.81% | 17.04% | 10.69% | 0.02% |
| Q2 2026 | 15.33% | 15.34% | 16.53% | 10.19% | 0.11% |
The Upstate National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Upstate National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Upstate National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13748) · FFIEC NIC profile (RSSD 313009)